The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$121,195
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,965
−HK$3,830/mo
Today · 4.125%
HK$128,795
baseline
▲ 0.50% · 4.625%
HK$136,632
+HK$7,837/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$257,590/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,828
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$138,444
−HK$3,668/mo
Today · 4.125%
HK$142,112
baseline
▲ 0.50% · 4.625%
HK$149,603
+HK$7,491/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$284,224/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,434
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,957
−HK$4,597/mo
Today · 4.125%
HK$154,554
baseline
▲ 0.50% · 4.625%
HK$163,958
+HK$9,404/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$309,108/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,793
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$166,133
−HK$4,402/mo
Today · 4.125%
HK$170,535
baseline
▲ 0.50% · 4.625%
HK$179,524
+HK$8,989/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$341,070/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,673
−HK$10,640/mo
▼ 0.25% · 3.875%
HK$174,950
−HK$5,363/mo
Today · 4.125%
HK$180,313
baseline
▲ 0.50% · 4.625%
HK$191,284
+HK$10,971/mo
Deposit HK$15.94M · loan HK$37.20M · min. income ≈ HK$360,626/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,759
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$193,821
−HK$5,136/mo
Today · 4.125%
HK$198,957
baseline
▲ 0.50% · 4.625%
HK$209,444
+HK$10,487/mo
Deposit HK$15.94M · loan HK$37.20M · min. income ≈ HK$397,914/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,150
−HK$13,680/mo
▼ 0.25% · 3.875%
HK$224,936
−HK$6,894/mo
Today · 4.125%
HK$231,830
baseline
▲ 0.50% · 4.625%
HK$245,937
+HK$14,107/mo
Deposit HK$5.31M · loan HK$47.83M · min. income ≈ HK$463,660/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,690
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$249,199
−HK$6,603/mo
Today · 4.125%
HK$255,802
baseline
▲ 0.50% · 4.625%
HK$269,286
+HK$13,484/mo
Deposit HK$5.31M · loan HK$47.83M · min. income ≈ HK$511,604/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,858 · Scale 2, in force from 26 Feb 2026)